76-455, being that you have been with one company for that long I am not surprised that they would have a better rate. I do agree that this is a subject that is like comparing apples to oranges. Its interesting to see what everyone has, also if anyone has ever had to file a claim and how it was handled. But, everyone has a different circumstance, location, past driving record, age, etc. All of these effect the final price. I was at a show this weekend and the subject was brought up. One guy said he checked around and Grundy (which I also have) was the cheapest, the guy next to me said Condon Skelly! I am happy with where I am, but it may be worthwhile to check with all of the major carriers to get the best deal. I think in the long run, they are all comparable.